You need to protect your business in a number of ways, and one of them is to have the right insurance policies. One important type of business insurance is worker’s compensation. Many businesses have workers comp attorneys to handle many of the issues surrounding this insurance and the injuries that happen at work. Is worker’s comp the same as unemployment? No, it’s insurance for accidents, not for unemployment.
Is worker’s compensation mandatory? In most states, it is. Some states require all business owners who have any employees at all to have this insurance. Other states have a minimum number of employees, such as four, which makes this insurance required. Is workman’s comp full pay? In most cases, it’s only a percentage of the full pay and not the entire amount. The exact amount often depends on the state you’re in.
Is workman’s comp state or federal? It’s both. There are both state and federal aspects of this insurance. It’s a good idea to have a workers’ comp attorney who you can work with to make sure that the insurance is applied correctly and according to the law. Having this insurance is important for protecting your business from high medical bills.
The process of filing workers compensation claims can get pretty confusing, especially if you’ve never had to deal with proving personal injury liability before. However, it’s important to keep in mind that you aren’t alone! Workers comp claims make up some of the most common personal injury cases, so it isn’t hard to find a good personal injury attorney who can help.
The first thing you’ll have to do with a workers comp claim is to provide notice to your employer of the injury you sustained on the job. This initial notification is only necessary if your employer didn’t know about your injury when it happened (although it never hurts to provide an extra notification in writing). Most states have a statute of limitations on workers comp claims and you’ll have to submit your notification within 30-45 days of the initial injury.
Your employer will then have to submit a report to the state workers compensation board, and another report to the workers comp insurance provider. This report will have to explain your injury, what caused your injury, and what you’re doing to have the injury treated.
Once these notifications are sent and approved, the insurance carrier will be able to pay your medical bills and a portion of your average weekly income (in most cases, this is two-thirds of your income).
If the insurance carrier rejects your claim, you can appeal the rejection with the commission board. In this case, it’s definitely a good idea to look for an attorney who has experience handling personal injury cases. Many people don’t realize how expensive a serious injury can be — between medical bills, lost wages, and possible permanent injuries, you could be facing some pretty steep bills! Getting the assistance you need — including both financial and legal assistance — is something you deserve if you’ve been injured on the job!